Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$83,977Cash toward the purchase price.
Closing costs + prepaids$10,708Not just lender fees.
Before credits & paid funds$94,684The complete starting cash picture.
Estimated remaining funds due at closing
$94,684No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$83,976.57
Your down payment$83,976.57
Closing costs + prepaids$10,707.81
Total buyer cash needed$94,684.37
Remaining funds due$94,684.37
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,549.99
Title & settlement$1,825.00
Recording fee$100.00
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$267.25
Initial HOA (3 months)$615.00
Prepaid interest, first (1 days)$50.57
Fees + prepaids$10,707.81
Your down payment is the seller’s equity. You take over the $271,022 balance, so the rest of the $354,999 price is paid at closing. A second mortgage can cover part of it. $94,684.37 is due at closing. Uses and sources reconcile at $365,706.81 each. Not a Closing Disclosure.